# Troubleshooting Reconciliation Issues > Reconciliation is an important step to keeping your budget accurate and updated. If you hit a snag while reconciling, this article will help you troubleshoot. Source: https://support.ynab.com/en_us/troubleshooting-reconciliation-issues-rJkijlVki Last updated: 2026-09-14T17:05:30.904Z Learn about reconciliation, then troubleshoot the following reconciliation issues in your plan: incorrect balances, frequent mismatched balances when reconciling, and a plan that feels wrong. Contact YNAB support if you need any additional assistance or are feeling stuck. Reconciliation is an important step to keeping your plan accurate and updated. If you've hit a snag while reconciling, this article will help you troubleshoot whatever issues you're facing.  Before reading further, you can brush up on the basics with our articles on [Getting Started with Reconciling Accounts](https://support.ynab.com/en_us/getting-started-with-reconciling-accounts-an-overview-Sy3JWx4Js), and familiarize yourself with the process in our [guide to reconciling accounts](https://support.ynab.com/en_us/reconciling-accounts-a-guide-BJFE3fHys). **Tell me about this** [What is reconciling?](#what) [I’ve never reconciled. Where do I start?](#never) [Why is reconciling important if my accounts are linked to my bank?](#why) **My balance is wrong** [My balance is lower in YNAB than it is at the bank.](#lower) [My balance is higher in YNAB than it is at the bank.](#higher) [My bank includes pending transactions in the balance.](#includespending) [I can’t reconcile because there are pending or uncleared transactions in YNAB.](#pendinginynab) [My working balance doesn’t match my balance at the bank.](#working) [My credit card is showing a positive balance when it should be negative.](#positive) [My Starting Balance doesn’t match the bank.](#startingbalance) [The balance YNAB imports from the bank while reconciling is incorrect.](#reconciliationbalance) **I frequently reconcile, but it's never right** [I recently reconciled and now I can’t get the balance to match.](#recently) [I have to make balance adjustments every time I reconcile.](#everytime) **My plan is wrong** [Reconciling the account added or removed money from Ready to Assign.](#readytoassign) [My account balances match but my plan is off.](#planisoff) [My account balances match but my Credit Card Payment category is off.](#ccpoff) **I'm stuck** [My accounts aren’t up to date, how can I reconcile?](#uptodate) [I want to reconcile using my statement balance.](#use-statement-balance) [I don’t want to create a balance adjustment to correct the balance.](#norba)  **I still need help** [Send us a message!](#message) * * * ## What is reconciling? Reconciling is the process of making sure that your balances in YNAB accurately reflect the balances of your real-life accounts. You'll compare your balances and the transactions in both registers. In YNAB, “reconciling your accounts” or “using the reconcile feature” on web or mobile means clicking or tapping the button in your account register and following the steps to the end. This feature also gives you the opportunity to create a Reconciliation Balance Adjustment if YNAB doesn't match with the bank so that they will align going forward. We recommend YNABers reconcile Cash and Credit accounts (checking, savings, cash and credit cards) weekly.  [Back to Top](#backtotop) * * * ## I’ve never reconciled. Where do I start? Whether you’re brand new to YNAB or you have a lot of history under your belt, if you’ve never reconciled, our [Getting Started with Reconciling Accounts](https://support.ynab.com/en_us/getting-started-with-reconciling-accounts-an-overview-Sy3JWx4Js) article will teach you the basics behind this feature. After that, follow the steps in our [Reconciling Accounts](https://support.ynab.com/en_us/reconciling-accounts-a-guide-BJFE3fHys) article, where we break down the process into easy to follow instructions. While you might need to make a [Reconciliation Balance Adjustment](https://support.ynab.com/en_us/balance-adjustments-a-guide-rko4OwILs) the first time you reconcile (or if it's been awhile), you won't need to do that when you reconcile regularly. It’s much easier to find the culprit when you only have a few days worth of transactions to go through and reconcile!  [Back to Top](#backtotop) * * * ## Why is reconciling important if my accounts are linked to my bank? Sometimes Direct Import issues arise. Transactions can stop importing, end up in the wrong account, or duplicates can occur. Routinely reconciling your accounts ensures that your account balances agree with your bank so that you can trust the numbers in your plan. The good news is that reconciling also serves another purpose here. If things do go awry, YNAB will only import transactions dated up to three days prior to your last reconciled transaction, which helps mitigate the impact on your account register.  [Back to Top](#backtotop) * * * ## My balance is lower in YNAB than it is at the bank. If you find your balance in YNAB is lower than your balance at the bank, a few common causes are: * duplicate outflow transactions in the account register. * missing transactions that are not in YNAB. * uncleared transactions in YNAB that have since cleared the bank. * transactions recorded as outflows that should be inflows (or vice versa). Duplicate transactions can happen for a number of reasons. First, remove any duplicates you notice (and if duplicates continue to import later on, use [these troubleshooting steps](https://support.ynab.com/en_us/my-transactions-are-importing-more-than-once-ByyZUaPge)). Then, review your account register for missing transactions from the last few days. Perhaps they weren’t entered or imported, or were accidentally deleted. If you find any, enter them manually and click the 'c' icon to indicate that they're cleared, if they’ve indeed cleared the bank. You’ll also want to review your uncleared transactions in YNAB. In your account register on a computer, search for _is: uncleared_ in the search bar. On iOS and Android, tap the "Show \[#\] uncleared transactions" banner. If any have cleared at the bank or if they're really old, mark them with a green C in YNAB to update the status. ### iOS ![Tapping the uncleared transactions banner in the mobile app shows two uncleared transactions in the account register](https://cdn.bfldr.com/NIEXAZS5/at/gkwx5nvs9phknshwv39b2ckj/Uncleared-Search-iOS-Help-Article.png?auto=webp&format=png) ### Android ![Tapping the magnifying glass and typing uncleared in the mobile app shows two uncleared transactions in the account register](https://cdn.bfldr.com/NIEXAZS5/at/6b9bjp9cnb3r8526khbgxx3x/Uncleared-Search-Android-Help-Article.png?auto=webp&format=png) ### Web ![](https://cdn.bfldr.com/NIEXAZS5/at/nphwnwsz86qhtcsbkktww5q/Uncleared-Search-Web-Help-Article.png?auto=webp&format=png) If you still can’t find the culprit, it's best to create a [Reconciliation Balance Adjustment](https://support.ynab.com/en_us/balance-adjustments-a-guide-rko4OwILs) so that you can move forward.  [Back to Top](#backtotop) * * * ## My balance is higher in YNAB than it is at the bank. If you find your balance in YNAB is higher than your balance at the bank, you may have a duplicate transaction in your account register, or have a cleared transaction in YNAB that has not yet cleared the bank. First, review your cleared transactions in YNAB from the last few days. If any are still pending at the bank, make sure they have an unfilled 'c' icon or clock icon in YNAB to indicate they are uncleared. Next, check your account register for duplicate transactions. This is easiest on a computer and if you’ve reconciled within the last month or two, at most. ### How to Check for Duplicate Transactions 1. On the web app, click _View_ and make sure _Show Reconciled Transactions_ is unchecked. This will ensure you’re only reviewing transactions that have occurred since the last time you reconciled. 2. Click the Outflow and Inflow column headers. That will re-order your transactions by amount and should line up any duplicates next to each other. If it’s been awhile since you last reconciled, make sure you review the dates carefully. Monthly repeating transactions (like your Netflix subscription) will be lined up next to each other. 3. Compare the date and amount against your transactions at the bank. If only one occurred, delete the duplicate. If you still can’t find the culprit, it's best to create a [Reconciliation Balance Adjustment](https://support.ynab.com/en_us/balance-adjustments-a-guide-rko4OwILs) so that you can move forward.  [Back to Top](#backtotop) * * * ## My bank includes pending transactions in the balance. Some banks only show the current balance as part of the running balance in your account. It may be next to your most recently posted transaction. Your bank may only show the running balance on the web or mobile app, so it’s best to check on both a computer and on a mobile device. If you get stuck, check out our article on [Finding your Cleared Balance](https://support.ynab.com/en_us/finding-your-cleared-balance-to-reconcile-an-overview-BkH27l_A9), [tell our chatbot you need a human, or send us an email](https://support.ynab.com/en_us/how-to-get-help-SygqcvtC5) for assistance!  [Back to Top](#backtotop) * * * ## I can’t reconcile because there are pending or uncleared transactions in YNAB. If the transactions are truly pending at your bank: * **On mobile:** Tap the transaction and toggle _Cleared_ off to mark it as uncleared in YNAB. You may need to tap _Show more_. * **On the web:** Click the ‘c’ to the right of the transaction to toggle it off. If the transactions are dated over a month ago, or it would be difficult to compare them to your banking records: * **On mobile:** Tap the transaction and toggle _Cleared_ on to mark it as cleared in YNAB. You may need to tap _Show more_. * **On the web:** Click the ‘c’ to the right of the transaction to toggle it on. Then compare just your cleared balance in YNAB (which does **not** include pending transactions) to the cleared balance at the bank. If you get stuck, check out our article on [Finding your Cleared Balance](https://support.ynab.com/en_us/finding-your-cleared-balance-to-reconcile-an-overview-BkH27l_A9), [tell our chatbot you need a human, or send us an email](https://support.ynab.com/en_us/how-to-get-help-SygqcvtC5) for assistance!  [Back to Top](#backtotop) * * * ## My working balance doesn’t match my balance at the bank. When you’re reconciling, you’ll be comparing only the Cleared balance in YNAB to the cleared balance at the bank. The working balance is the balance your account will be once all uncleared transactions clear your account. Since pending transactions can change, this balance doesn’t work well for reconciling.  [Back to Top](#backtotop) * * * ## My credit card is showing a positive balance when it should be negative. If you’re showing a positive balance in YNAB on web or mobile but don’t actually have one in real life, reconciling will correct this. Follow the steps to reconcile in our [Reconciling Accounts](https://support.ynab.com/en_us/reconciling-accounts-a-guide-BJFE3fHys) guide article, paying close attention to any uncleared or missing transactions that could be affecting the cleared balance. You’ll also want to review your recent transactions for incorrect or duplicate payments. If you find any, be sure to delete the duplicate. If you can’t find the cause, enter a [Reconciliation Balance Adjustment](https://support.ynab.com/en_us/balance-adjustments-a-guide-rko4OwILs) to get things back on track!   [Back to Top](#backtotop) * * * ## My starting balance doesn’t match the bank. Starting Balances do show up incorrectly every now and then. The good news is they can be edited manually by tapping or double clicking on it right in the account register. You can learn more about [Editing Transactions](https://support.ynab.com/en_us/how-to-edit-and-delete-transactions-BJG4oS1s) in our article.  [Back to Top](#backtotop) * * * ## The balance YNAB imports from the bank while reconciling is incorrect. If your account is linked and the balance importing is incorrect, follow the steps in our [Reconciling Accounts](https://support.ynab.com/en_us/reconciling-accounts-a-guide-BJFE3fHys#process) guide article. When you get to the final step, click _Enter an updated bank balance_ and enter your current cleared balance. Then, click _Continue_. * If the cleared balance in YNAB matches the balance you entered, click _Finish Reconciliation_. * If the cleared balance in YNAB does not match the balance you entered, click _Create Adjustment and Finish_.  [Back to Top](#backtotop) * * * ## I recently reconciled and now I can’t get the balance to match. If you’ve recently reconciled (within the last week or two), you may be able to find the culprit by doing a line by line comparison. ### How to Compare Line by Line These steps are written for the **Web app**: 1. Open YNAB and your bank in separate windows on your computer and arrange them so they’re side by side. 2. Unclear all transactions since the last reconciliation by selecting multiple transactions and clicking _More_ then _Mark as Uncleared_. 3. As you match up each transaction in YNAB with the bank, click the 'c' icon to clear it, going one day at a time. That way, you can be sure you find every single transaction. Keep in mind that YNAB can have different transaction dates than those displayed by your bank. This is due to differences between the date the transaction occurred and the date it was cleared by your bank. 4. Compare the cleared balance with your bank balance on that date. 5. Clear the next day's transactions and check the bank balance at the end of that day to make sure it matches. 6. Continue day by day until you find the problem. The more often you reconcile, the easier it is. If you reconcile once a week and you find a problem while reconciling again the following week, you only have a few days to review. If it’s been more than a couple of weeks since you reconciled, it’s best to follow the steps to reconcile the account, creating a [Reconciliation Balance Adjustment](https://support.ynab.com/en_us/balance-adjustments-a-guide-rko4OwILs) at the end instead of doing a line by line comparison.  [Back to Top](#backtotop) * * * ## I have to make balance adjustments every time I reconcile. When you notice that your account balances are often incorrect, or that you're having to make a balance adjustment each time that you reconcile, there are a couple of things to check on: * **Is the balance on your account at your bank's site the "cleared balance" or does it include pending transactions?** Reconciliation is designed to make sure that the cleared balance in your YNAB account matches the cleared balance at the bank (as opposed to the Pending/Available balance at the bank). If you suspect your bank is including pending transactions or if you’re not sure what balance to use, check out our article on [Finding your Cleared Balance](https://support.ynab.com/en_us/finding-your-cleared-balance-to-reconcile-an-overview-BkH27l_A9), or reach out to us for assistance! * **Are there any transactions that have cleared your bank, but haven't yet imported into YNAB?** Since we reconcile using the cleared balance in your account, we also want to make sure it's up-to-date. If there are any transactions that have cleared the bank, but haven't yet imported into YNAB, you can add them now to make sure they're taken into account in both YNAB and in your bank. * **Are any uncleared transactions 'hiding' in your register?** To make sure that no uncleared transactions are lurking farther back in your register (they're easy to miss!), you can search for them in the search bar (search for _is: uncleared_ on the web app, or _uncleared_ on the mobile app), or you can click on the cleared column header on the web app to sort your transactions by cleared status. Review these uncleared transactions, and edit/clear them as needed. Ensure that their status in YNAB agrees with the status at the bank.  [Back to Top](#backtotop) * * * ## Reconciling the account added or removed money from Ready to Assign. The amount of money in your plan is based on the amount of your cash-positive accounts in YNAB. Because of that, changing an account balance will add or remove money from your plan. When you make a [balance adjustment](https://support.ynab.com/en_us/balance-adjustments-a-guide-rko4OwILs), you will need to move money around in your plan. This is a good thing, because it makes your plan accurate and trustworthy, so it's important to create a balance adjustment even if it removes money from your plan. You don’t want your plan to show you money that you don’t actually have. The one exception to this is balance adjustments on negative-balance credit cards, where the balance is remaining negative. These will not impact Ready to Assign, but you will want to double check that you have the amount you want set aside to pay your card's bill in your Credit Card Payment category.  [Back to Top](#backtotop) * * * ## My account balances match but my plan is off. If your account balances agree with the bank, but it feels like there’s more or less money in your plan than you’re expecting, you can [perform a YNAB Checkup](https://support.ynab.com/en_us/checkup-S1vJzWGzo) to confirm that the money in your accounts is somewhere in your plan. Following the steps in that article will give you the confidence to move forward in YNAB.  [Back to Top](#backtotop) * * * ## My account balances match but my Credit Card Payment category is off. If you’ve reconciled your credit card account and the balance matches the bank but your Credit Card Payment category doesn’t have what you need to pay your credit card in full or make your next payment, you’ll need to move money to/from the category as needed until they match. This happens if you’ve created a Reconciliation Balance Adjustment, or have overspending in the present or past months. It can also happen if you didn’t assign enough to cover the Starting Balance when you first set up the card. Whatever the reason, the ultimate solution is to move money and proceed forward, instead of back.  [Back to Top](#backtotop) * * * ## My accounts aren’t up to date, how can I reconcile? In most cases, you’ll want to update your accounts so that you can reconcile using your current account balance instead of a past balance or statement balance.  However, if you’re being prompted to [update an account](https://support.ynab.com/en_us/linked-accounts-B1991f2Cc#update) because you’re switching Direct Import providers, you can follow the [reconciliation steps](https://support.ynab.com/en_us/reconciling-accounts-a-guide-BJFE3fHys) at any point in time to avoid duplicates importing after the switch. You don't need to have your account up to date. This is because the Reconcile feature only takes the Cleared balance you have in YNAB into consideration. For example, if your account only contains transactions up to the first of the month, you could review what your bank says your balance was on that date and use the Reconcile feature to reconcile only up to that point.  [Back to Top](#backtotop) * * * ## I want to reconcile using my statement balance. We recommend reconciling against your current account balance rather than the statement balance. This is because the amount of money available for you to plan in YNAB is directly based on the amount of money in your bank accounts. That said, if you want to reconcile against your statement balance, that’s possible! ### iOS 1. Mark all transactions in your account register that occur after your statement's closing date as uncleared: 1. Tap _Select_ at the top of the account register. 2. Select the transactions that occur after your statement's closing date. 3. Tap the filled 'c' icon at the bottom of the screen to unclear them. 2. Tap the horizontal three dots icon in the upper right corner of your account register and tap _Reconcile_. Tap “_No_" and enter the statement balance instead of your current account balance. 3. Clear transactions from before that statement date until the Cleared balance of your YNAB account matches your statement balance - YNAB will automatically show you how close those balances are. ### Android 1. Mark all transactions in your account register that occur after your statement's closing date as uncleared  1. Long press a transaction to bring up checkboxes to the left of each transaction. 2. Select the transactions that occur after your statement's closing date. 3. Tap the vertical three dots icon at the bottom of the screen. 4. Tap _Unclear_. 2. Tap the vertical three dots icon at the top of your account register and tap _Reconcile_. Tap “_No_" and enter the statement balance instead of your current account balance. 3. Clear transactions from before that statement date until the Cleared balance of your YNAB account matches your statement balance - YNAB will automatically show you how close those balances are. ### Web 1. Mark all transactions in your account register that occur after your statement's closing date as uncleared. You can select them and click or tap _Unclear_ in the action bar. 2. Click the _Reconcile_ button at the top right of your plan, then click "_Next_" or “_No_" and enter the statement balance instead of your current account balance. 3. Clear transactions from before that statement date until the Cleared balance of your YNAB account matches your statement balance - YNAB will automatically show you how close those balances are. [Back to Top](#backtotop) * * * ## I don’t want to create a balance adjustment to correct the balance. If you’ve finished troubleshooting and still can’t get the balances to match, a balance adjustment is usually the best choice. Ultimately, you’ll need to weigh spending the time and energy tracking down the error against quickly moving forward with your plan. The alternative to a [Reconciliation Balance Adjustment](https://support.ynab.com/en_us/balance-adjustments-a-guide-rko4OwILs) is a [Fresh Start](https://support.ynab.com/en_us/plan-resets-and-fresh-starts-HkXYR_c0q#fresh). With a Fresh Start, you’ll be able to enter your Starting Balances as of today so that you can move on with a clean slate.  [Back to Top](#backtotop) * * * ## Send a Message If you've tried the troubleshooting steps provided, and you're still having trouble reconciling, it's time to send us a message. [Tell our chatbot you need a human or send us an email](https://support.ynab.com/en_us/how-to-get-help-SygqcvtC5), and we'll get you squared away!   [Back to Top](#backtotop) * * * ## Help Us Help You! 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